:root{color-scheme:light;--color-navy:#1e3a5f;--color-navy-dark:#14273f;--color-red:#a8352b;--color-gold:#f2b33d;--color-cream:#faf6ee;--color-white:#fff;--color-ink:#1f2933;--color-muted:#5b6670;--color-sage:#4f7a5a;--color-line:#e4dccb;--color-sage-pale:#eef3ec;--color-gold-pale:#fff4d8;--font-body:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--font-heading:"Bitter", "Bitter Fallback", Georgia, serif;--space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4.5rem;--space-9:6rem;--radius-sm:6px;--radius:12px;--shadow:0 5px 24px #14273f0d;--width-page:1180px;--width-prose:68ch}@font-face{font-family:Bitter;font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/bitter-latin-600-normal.woff2)format("woff2")}@font-face{font-family:Bitter;font-style:normal;font-weight:700;font-display:swap;src:url(/fonts/bitter-latin-700-normal.woff2)format("woff2")}@font-face{font-family:Bitter Fallback;src:local(Georgia);size-adjust:105.2%;ascent-override:89%;descent-override:24%;line-gap-override:0%}*,:before,:after{box-sizing:border-box}html{scroll-padding-top:1.5rem;font-size:112.5%}body{background:var(--color-cream);color:var(--color-ink);font-family:var(--font-body);-webkit-font-smoothing:antialiased;margin:0;font-size:18px;line-height:1.6}img,svg{max-width:100%}img{height:auto;display:block}svg{flex-shrink:0}a{color:var(--color-navy);text-underline-offset:.2em;text-decoration-thickness:1px}a:hover{color:var(--color-red)}button,input,select,textarea{font:inherit}button,summary{cursor:pointer}button,input,select,textarea{min-height:48px}input,select,textarea{border:1px solid var(--color-muted);border-radius:var(--radius-sm);width:100%;color:var(--color-ink);background:#fff;padding:.75rem}label{margin-bottom:.5rem;font-weight:600;display:block}:focus-visible{outline:3px solid var(--color-red);outline-offset:4px}::selection{background:var(--color-gold);color:var(--color-navy-dark)}h1,h2,h3,h4{font-family:var(--font-heading);letter-spacing:-.025em;color:var(--color-navy);text-wrap:balance;font-weight:700;line-height:1.2}h1{margin:0 0 1.25rem;font-size:clamp(2rem,4.1vw,3.25rem)}h2{margin:0 0 1rem;font-size:clamp(1.625rem,2.6vw,2.25rem)}h3{margin:0 0 .75rem;font-size:clamp(1.2rem,2vw,1.45rem)}h4{font-size:1.1rem}p{margin:0 0 1.25rem}ul,ol{padding-left:1.4rem}li+li{margin-top:.5rem}hr{border:0;border-top:1px solid var(--color-line);margin:2.5rem 0}figure{margin:0}blockquote{border-left:4px solid var(--color-gold);font-family:var(--font-heading);color:var(--color-navy);margin:2rem 0;padding:.25rem 0 .25rem 1.5rem}code{overflow-wrap:anywhere}pre{border-radius:var(--radius-sm);background:var(--color-navy-dark);color:#fff;max-width:100%;padding:1rem;overflow-x:auto}summary{min-height:48px}summary::marker{color:var(--color-navy)}details>summary{-webkit-tap-highlight-color:transparent}main{min-height:55vh}[id]{scroll-margin-top:1.5rem}.container{width:min(var(--width-page), calc(100% - 2.5rem));margin-inline:auto}.narrow{max-width:var(--width-prose)}.section{padding-block:clamp(2.5rem,6vw,5rem)}.section+.section{border-top:1px solid var(--color-line)}.section-heading{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.5rem 2rem;margin-bottom:1.75rem;display:flex}.section-heading h2{margin-bottom:0}.section-heading p{max-width:58ch}.eyebrow{color:var(--color-red);text-transform:uppercase;letter-spacing:.14em;margin-bottom:1rem;font-size:.73rem;font-weight:750;line-height:1.4;display:block}.muted{color:var(--color-muted)}.lead{max-width:58ch;color:var(--color-muted);font-size:clamp(1.05rem,1.8vw,1.18rem);line-height:1.65}.text-link{align-items:center;gap:.55rem;min-height:48px;font-weight:650;text-decoration-thickness:1.5px;display:inline-flex}.stack>*+*{margin-top:1.5rem}.stack>:last-child{margin-bottom:0}.card-grid{grid-template-columns:minmax(0,1fr);gap:1.5rem;display:grid}.two-column{grid-template-columns:minmax(0,1fr);gap:2rem;display:grid}.button{width:100%;min-height:52px;color:var(--color-navy-dark);background:var(--color-gold);font:700 .95rem/1.4 var(--font-body);text-align:center;border:1px solid #0000;border-radius:10px;justify-content:center;align-items:center;gap:.75rem;padding:.75rem 1.25rem;text-decoration:none;display:inline-flex}.button:hover{color:var(--color-navy-dark);background:#e9a82d}.button--secondary{border:1.5px solid var(--color-navy);color:var(--color-navy);background:0 0}.button--secondary:hover{background:var(--color-navy);color:#fff}.skip-link{z-index:100;border:2px solid var(--color-navy);border-radius:var(--radius-sm);background:#fff;padding:.75rem 1rem;position:absolute;top:.5rem;left:1rem;transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}.site-header{z-index:20;border-top:3px solid var(--color-gold);border-bottom:1px solid var(--color-line);background:var(--color-cream);height:64px;position:relative}.header-inner{justify-content:space-between;align-items:center;gap:1rem;height:60px;display:flex}.logo{min-height:48px;color:var(--color-navy);flex-shrink:0;align-items:center;gap:.6rem;text-decoration:none;display:inline-flex}.logo:hover{color:var(--color-navy-dark)}.logo-mark{width:36px;height:36px}.logo-wordmark{line-height:1;display:grid}.logo-name{font:700 1.4rem/1 var(--font-heading);letter-spacing:-.05em}.logo-suffix{letter-spacing:.2em;text-transform:uppercase;margin-top:.3rem;font-size:.55rem;font-weight:700}.logo--light,.logo--light:hover{color:#fff}.site-footer :focus-visible,.trust-band :focus-visible,.sticky-cta :focus-visible{outline-color:var(--color-gold)}.desktop-nav{display:none}.mobile-menu>summary{min-width:78px;color:var(--color-navy);justify-content:flex-end;align-items:center;gap:.6rem;font-size:.8rem;font-weight:700;list-style:none;display:flex}.mobile-menu>summary::-webkit-details-marker{display:none}.menu-bars{border-top:2px solid;border-bottom:2px solid;width:20px;height:14px;display:inline-block;position:relative}.menu-bars:after{content:"";border-top:2px solid;width:20px;position:absolute;top:4px;left:0}.mobile-menu[open]>summary{color:var(--color-red)}.mobile-nav{border-top:1px solid var(--color-line);border-bottom:3px solid var(--color-gold);background:var(--color-cream);max-height:calc(100dvh - 64px);padding:1rem 1.25rem 1.5rem;position:absolute;top:60px;left:0;right:0;overflow-y:auto;box-shadow:0 12px 24px #14273f1f}.mobile-nav a{border-bottom:1px solid var(--color-line);justify-content:space-between;align-items:center;min-height:48px;padding:.5rem 0;font-weight:600;text-decoration:none;display:flex}.mobile-nav a[aria-current=page]{color:var(--color-red)}.draft-note{color:var(--color-muted);text-align:center;letter-spacing:.015em;background:#f1ecdf;margin:0;padding:.55rem 1.25rem;font-size:.7rem;line-height:1.5}.site-footer{background:var(--color-navy-dark);color:#dce3e8;padding-top:3rem}.footer-grid{gap:2rem;padding-bottom:2.5rem;display:grid}.footer-brand p{color:#c1cbd6;max-width:32ch;margin:1rem 0 0;font-size:.9rem}.footer-heading{color:#fff;font-family:var(--font-body);letter-spacing:.1em;text-transform:uppercase;margin:0 0 .75rem;font-size:.75rem;font-weight:700}.footer-nav{flex-direction:column;align-items:flex-start;display:flex}.footer-nav a{color:#dce3e8;align-items:center;min-height:48px;font-size:.85rem;text-decoration:none;display:inline-flex}.footer-nav a:hover{color:var(--color-gold);text-decoration:underline}.footer-bottom{color:#c1cbd6;border-top:1px solid #35485f;padding-block:1.5rem;font-size:.72rem}.footer-bottom p{max-width:90ch;margin-bottom:.5rem}.footer-bottom a{color:inherit}.breadcrumb-list{color:var(--color-muted);flex-wrap:wrap;align-items:center;column-gap:.4rem;margin:0;padding:0;font-size:.72rem;list-style:none;display:flex}.breadcrumb-list li{align-items:center;gap:.4rem;min-width:0;margin:0;display:inline-flex}.breadcrumb-list a,.breadcrumb-list span{align-items:center;min-height:48px;display:inline-flex}.breadcrumb-list a{text-decoration:none}.breadcrumb-list a:hover{text-decoration:underline}.breadcrumb-list svg{width:13px}.page-header{padding-block:1rem 2rem}.page-header h1{max-width:22ch}.hero{padding-block:2.25rem 3rem}.home-hero{align-items:center;gap:2rem;padding-block:2.25rem 3rem;display:grid}.hero-copy{min-width:0}.hero-copy h1{max-width:18ch}.hero-copy .lead{max-width:43ch}.hero-copy .button{margin-top:.25rem}.hero-copy .text-link{margin-top:.5rem;font-size:.85rem}.hero-photo{min-width:0;position:relative}.hero-photo .photo-media{border:1px solid var(--color-line);border-radius:48% 48% 10px 10px}.hero-photo:before{z-index:-1;content:"";border:1px solid #d8c8a8;border-radius:48% 48% 10px 10px;position:absolute;inset:1.5rem -.45rem 2.2rem 1.25rem;transform:rotate(3deg)}.quick-picks{border-block:1px solid var(--color-line);grid-template-columns:minmax(0,1fr);gap:0;display:grid}.quick-picks>a{border-bottom:1px solid var(--color-line);align-items:center;gap:1rem;min-height:92px;padding:1.15rem 0;text-decoration:none;display:flex}.quick-picks>a:last-child{border-bottom:0}.quick-picks>a>svg:first-child{width:30px;height:30px;color:var(--color-red)}.quick-picks>a>svg:last-child{margin-left:auto}.quick-picks strong{font-size:.95rem;line-height:1.4;display:block}.quick-picks small{color:var(--color-muted);margin-top:.2rem;font-size:.75rem;display:block}.steps{counter-reset:steps;gap:2rem;margin:0;padding:0;list-style:none;display:grid}.steps>li{counter-increment:steps;margin:0;padding-left:3rem;position:relative}.steps>li:before{content:"0" counter(steps);color:var(--color-red);font:600 1.2rem/1.6 var(--font-heading);position:absolute;top:-.2rem;left:0}.steps h3{font-size:1.2rem}.steps p{color:var(--color-muted);margin-bottom:0;font-size:.9rem}.trust-band{background:var(--color-navy);color:#e8edf2;padding-block:clamp(2rem,5vw,3.5rem)}.trust-band h2,.trust-band h3{color:#fff}.trust-band .eyebrow{color:var(--color-gold)}.trust-band p{max-width:62ch}.trust-band a{color:#fff}.trust-band a:hover{color:var(--color-gold)}.photo{min-width:0}.photo-media{border-radius:var(--radius);background:var(--photo-color,#eae4d7);width:100%;aspect-ratio:var(--photo-ratio,1.3333);overflow:hidden}.photo-media img{object-fit:cover;width:100%;height:100%}.photo-caption{color:var(--color-muted);margin-top:.5rem;font-size:.67rem;line-height:1.5}.photo-caption a{color:inherit}.photo-pending{height:100%;min-height:120px;color:var(--color-muted);text-align:center;background:linear-gradient(135deg,#efeadf,#e8e0d1);flex-direction:column;justify-content:center;align-items:center;gap:.75rem;padding:1.5rem;display:flex}.photo-pending svg{color:#877d69;width:40px;height:40px}.photo-pending span{font-size:.8rem;font-weight:600}.photo-pending small{font-size:.65rem;font-weight:400}.article-card{background:var(--color-white);border:1px solid var(--color-line);border-radius:var(--radius);flex-direction:column;min-width:0;display:flex;overflow:hidden}.article-card .photo-media{border-radius:0}.article-card .photo-caption{padding-inline:1.25rem}.card-body{flex-direction:column;flex:1;padding:1.25rem;display:flex}.card-badges{flex-wrap:wrap;align-items:center;gap:.5rem;margin-bottom:.85rem;display:flex}.card-category{color:var(--color-red);text-transform:uppercase;letter-spacing:.1em;font-size:.65rem;font-weight:750}.draft-badge{border:1px solid var(--color-line);color:var(--color-muted);border-radius:4px;padding:.1rem .4rem;font-size:.6rem;font-weight:600;display:inline-block}.article-card .card-title{font-size:1.25rem;line-height:1.35}.article-card .card-title a{min-height:48px;text-decoration:none;display:block}.article-card .card-title a:hover{text-decoration:underline}.article-card .card-description{color:var(--color-muted);margin:.25rem 0 1rem;font-size:.85rem;line-height:1.6}.card-footer{color:var(--color-muted);justify-content:space-between;align-items:center;gap:1rem;margin-top:auto;font-size:.7rem;display:flex}.card-footer svg{color:var(--color-navy)}.article-shell{width:min(920px,100% - 2.5rem);margin-inline:auto;padding-block:.75rem 3rem}.article-header{max-width:var(--width-prose);view-timeline-name:--article-heading;view-timeline-axis:block;margin-bottom:1.5rem}.article-header h1{max-width:24ch;margin-top:.75rem;font-size:clamp(1.875rem,4.1vw,2.8rem)}.article-meta{color:var(--color-muted);flex-wrap:wrap;align-items:center;gap:.3rem .4rem;font-size:.72rem;display:flex}.article-meta a{align-items:center;min-height:48px;display:inline-flex}.article-meta p{margin:0}.article-shell>.photo{margin-block:1.75rem}.article-shell>.prose{margin-inline:auto}.prose{max-width:var(--width-prose);overflow-wrap:break-word}.prose h2{margin-top:2.5rem}.prose h3{margin-top:2rem}.prose p,.prose li{line-height:1.75}.prose a{font-weight:550}.prose>:first-child{margin-top:0}.prose>:last-child{margin-bottom:0}.prose table{border-collapse:collapse;width:100%;margin-block:1.75rem;font-size:.85rem}.prose th,.prose td{text-align:left;border-bottom:1px solid var(--color-line);overflow-wrap:anywhere;padding:.8rem}.prose th{color:var(--color-navy);background:#eee8da}.quick-answer{border-left:4px solid var(--color-gold);border-radius:0 var(--radius) var(--radius) 0;background:var(--color-white);box-shadow:var(--shadow);margin-block:1.5rem;padding:1.25rem;position:relative}.quick-answer-title{font:750 .7rem/1.4 var(--font-body);letter-spacing:.1em;text-transform:uppercase;color:var(--color-navy);align-items:center;gap:.5rem;margin:0 0 .6rem;display:flex}.quick-answer p:last-child{margin-bottom:0}.quick-answer-content{font-size:.95rem;line-height:1.65}.disclosure-box{border:1px solid var(--color-line);border-radius:var(--radius-sm);color:var(--color-muted);background:#f4f0e7;align-items:flex-start;gap:.6rem;margin-block:1rem;padding:.8rem 1rem;font-size:.7rem;display:flex}.disclosure-box svg{margin-top:.15rem}.disclosure-box p{margin:0}.callout{border:1px solid var(--color-line);border-left:4px solid var(--color-navy);border-radius:0 var(--radius) var(--radius) 0;background:#fff;margin-block:1.75rem;padding:1.25rem}.callout-title{font-family:var(--font-body);letter-spacing:0;align-items:center;gap:.6rem;margin-bottom:.6rem;font-size:.9rem;display:flex}.callout>:last-child,.callout-content>:last-child{margin-bottom:0}.callout--warning{background:var(--color-gold-pale);border-color:#e3c582;border-left-color:var(--color-red)}.callout--good-to-know{background:var(--color-sage-pale);border-color:#c7d7c9;border-left-color:var(--color-sage)}.cost-range{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;margin-block:1.75rem;padding:1.25rem}.cost-range h2{font-size:1.35rem}.cost-values{grid-template-columns:repeat(3,minmax(0,1fr));gap:.5rem;margin:1.25rem 0;display:grid}.cost-values>div{border-top:3px solid var(--color-line);padding-block:.75rem}.cost-values>.cost-typical{border-color:var(--color-gold)}.cost-values dt{color:var(--color-muted);font-size:.65rem}.cost-values dd{color:var(--color-navy);font:700 clamp(.95rem, 3.5vw, 1.7rem)/1.4 var(--font-heading);font-variant-numeric:tabular-nums;overflow-wrap:anywhere;margin:.3rem 0 0}.cost-source{color:var(--color-muted);font-size:.7rem}.cost-source:last-child{margin-bottom:0}.pros-cons{gap:1.5rem;margin-block:1.75rem;display:grid}.pros-cons>section{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;padding:1.25rem}.pros-cons h3{align-items:center;gap:.5rem;font-size:1.1rem;display:flex}.pros-cons ul{margin-bottom:0;padding-left:1.1rem;font-size:.9rem}.pros-list h3 svg{color:var(--color-sage)}.cons-list h3 svg{color:var(--color-red)}.faq{margin-block:2.5rem}.faq details{border-bottom:1px solid var(--color-line)}.faq details:first-of-type{border-top:1px solid var(--color-line)}.faq summary{color:var(--color-navy);justify-content:space-between;align-items:center;gap:1rem;padding:1.15rem 0;font-weight:650;line-height:1.45;list-style:none;display:flex}.faq summary::-webkit-details-marker{display:none}.faq details[open] summary svg{transform:rotate(180deg)}.faq-answer{max-width:66ch;padding-bottom:1.25rem;font-size:.95rem}.faq-answer p{margin-bottom:0}.toc{border:1px solid var(--color-line);border-radius:var(--radius);background:#f4f0e7;margin-block:1.5rem;padding:0 1.25rem}.toc-desktop{display:none}.toc summary{color:var(--color-navy);justify-content:space-between;align-items:center;gap:1rem;padding-block:.85rem;font-size:.85rem;font-weight:700;list-style:none;display:flex}.toc summary::-webkit-details-marker{display:none}.toc details[open] summary svg{transform:rotate(180deg)}.toc ol{margin:0;padding:0 0 .75rem;list-style:none}.toc li{margin:0}.toc a{align-items:center;min-height:48px;padding-block:.45rem;font-size:.8rem;line-height:1.5;text-decoration:none;display:flex}.toc a:hover{text-decoration:underline}.toc .toc-subheading{padding-left:1rem}.author-box{border-top:2px solid var(--color-line);align-items:flex-start;gap:1rem;margin-block:2.5rem;padding-top:1.5rem;display:flex}.author-symbol{width:48px;height:48px;color:var(--color-navy);background:#e9e2d2;border-radius:50%;flex:0 0 48px;justify-content:center;align-items:center;display:flex}.author-box h2{margin:0 0 .25rem;font-size:1.1rem}.author-box h2 a{align-items:center;min-height:48px;text-decoration:none;display:inline-flex}.author-box p{margin-bottom:.6rem;font-size:.85rem}.author-box .eyebrow{margin-bottom:0;font-size:.6rem}.author-box .author-role{color:var(--color-muted);font-size:.72rem}.related-articles{border-top:1px solid var(--color-line);margin-top:3rem;padding-top:2rem}.trust-links{flex-wrap:wrap;gap:.5rem 1.25rem;margin-top:2rem;display:flex}.trust-links a{align-items:center;min-height:48px;display:inline-flex}.sticky-cta-slot{margin-block:2rem}.sticky-cta{padding:0 1rem max(.75rem, env(safe-area-inset-bottom));background:var(--color-navy-dark);color:#fff;border-radius:var(--radius)}.sticky-cta>summary{justify-content:space-between;align-items:center;gap:1rem;font-size:.7rem;font-weight:600;list-style:none;display:flex}.sticky-cta>summary::-webkit-details-marker{display:none}.sticky-cta[open] .sticky-show,.sticky-cta:not([open]) .sticky-hide{display:none}.sticky-cta[open] summary svg{transform:rotate(180deg)}.sticky-cta .button{min-height:48px}.lender-card{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;padding:1.25rem}.lender-card h3{margin-bottom:.5rem}.lender-card .best-for{color:var(--color-muted);font-size:.85rem}.lender-facts{margin:0}.lender-facts>div{border-bottom:1px solid var(--color-line);flex-wrap:wrap;justify-content:space-between;gap:.25rem 1rem;padding-block:.75rem;display:flex}.lender-facts dt{color:var(--color-muted);font-size:.75rem}.lender-facts dd{color:var(--color-navy);font-variant-numeric:tabular-nums;margin:0;font-size:.85rem;font-weight:650}.lender-note{color:var(--color-muted);margin:1rem 0 0;font-size:.7rem}.lender-comparison{margin-block:2.5rem}.lender-table-wrap{display:none}.hero-copy h1 em{text-decoration:underline;text-decoration-color:var(--color-gold);text-underline-offset:.13em;font-style:normal;text-decoration-thickness:.07em}.hero-reassurance{color:var(--color-muted);align-items:center;gap:.5rem;margin:.75rem 0 0;font-size:.7rem;display:flex}.hero-reassurance svg{width:17px;height:17px;color:var(--color-sage)}.photo-note{color:var(--color-navy);font:600 .78rem/1.5 var(--font-heading);justify-content:flex-end;align-items:center;gap:.65rem;margin-top:1.2rem;display:flex}.photo-note-line{border-top:2px solid var(--color-gold);width:32px;display:inline-block}.pick-icon{width:44px;height:44px;color:var(--color-navy);background:#eee7d9;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;display:inline-flex}.pick-icon svg{width:23px;height:23px}.how-it-works{background:#f2eddf}.step-number{color:var(--color-red);font:600 1.2rem/1.6 var(--font-heading);position:absolute;top:-.2rem;left:0}.steps>li:has(.step-number):before{content:none}.trust-disclosure{align-items:center;min-height:48px;font-size:.75rem;display:flex}.empty-state{border-block:1px solid var(--color-line);max-width:65ch;padding:1.5rem 0}.empty-state h2,.empty-state h3{font-size:1.4rem}.empty-state p{color:var(--color-muted)}.empty-state a{align-items:center;min-height:48px;display:inline-flex}.hub-nav{gap:1.5rem;display:grid}.hub-link{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;flex-direction:column;align-items:flex-start;padding:1.5rem;text-decoration:none;display:flex}.hub-link>svg{color:var(--color-red);width:30px;height:30px;margin-bottom:1.25rem}.hub-link h2{font-size:1.45rem}.hub-link p{color:var(--color-muted);font-size:.9rem}.hub-link .text-link{margin-top:auto;font-size:.8rem}.hub-link:hover{border-color:var(--color-navy)}.question-links{border-top:1px solid var(--color-line);margin:0;padding:0;list-style:none}.question-links li{margin:0}.question-links a{border-bottom:1px solid var(--color-line);justify-content:space-between;align-items:center;gap:1.25rem;min-height:64px;padding:1rem 0;font-weight:600;text-decoration:none;display:flex}.question-links a:hover{text-decoration:underline}.topic-nav{border-bottom:1px solid var(--color-line);flex-wrap:wrap;gap:.5rem;padding-block:.5rem 1rem;display:flex}.topic-nav a{border:1px solid var(--color-line);border-radius:var(--radius-sm);align-items:center;min-height:48px;padding:.65rem 1rem;font-size:.85rem;text-decoration:none;display:inline-flex}.topic-nav a[aria-current=page]{color:#fff;background:var(--color-navy);border-color:var(--color-navy)}.pagination{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;padding-block:0 3rem;font-size:.85rem;display:flex}.pagination a{align-items:center;min-height:48px;font-weight:600;display:inline-flex}.options-section,.cost-section{max-width:var(--width-prose);margin:2.5rem auto}.option-grid{gap:1.25rem;margin-top:1.5rem;display:grid}.option-card{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;padding:1.25rem}.option-number{color:var(--color-red);font:600 .85rem/1.4 var(--font-heading);margin-bottom:.85rem;display:block}.option-card h3{font-size:1.25rem}.option-card p{font-size:.9rem}.option-card dl{margin:0;font-size:.75rem}.option-card dl>div{border-top:1px solid var(--color-line);padding-top:.75rem}.option-card dl>div+div{margin-top:.75rem}.option-card dt{color:var(--color-navy);font-weight:700}.option-card dd{color:var(--color-muted);margin:.25rem 0 0}.cost-table{border:1px solid var(--color-line);border-radius:var(--radius);background:#fff;margin-block:1.5rem 2rem;font-size:.9rem;overflow:hidden}.cost-table>div{gap:.35rem;padding:1rem;display:grid}.cost-table>div+div{border-top:1px solid var(--color-line)}.cost-table .cost-table-head{color:var(--color-navy);background:#eee8da;font-size:.75rem;font-weight:650}.cost-table [role=cell]{color:var(--color-muted);font-size:.8rem}.checklist{margin:1.25rem 0 2.5rem;padding:0;list-style:none}.checklist li{border-bottom:1px solid var(--color-line);margin:0;padding:.75rem 0 .75rem 1.75rem;position:relative}.checklist li:before{content:"";border-left:2px solid var(--color-sage);border-bottom:2px solid var(--color-sage);width:.7rem;height:.4rem;position:absolute;top:1.1rem;left:0;transform:rotate(-45deg)}.takeaways{max-width:var(--width-prose);background:var(--color-sage-pale);border-radius:var(--radius);border:1px solid #c7d7c9;margin:2.5rem auto;padding:1.5rem}.takeaways h2{font-size:1.4rem}.takeaways ul{margin-bottom:0}.article-next-step{border-radius:var(--radius);text-align:center;background:#eee7d9;margin-top:3rem;padding:2rem 1.5rem}.article-next-step h2{font-size:clamp(1.5rem,3vw,2rem)}.article-photo{max-width:760px;margin:2rem auto}@media (width>=640px){.button{width:auto}.card-grid,.two-column,.pros-cons,.quick-picks{grid-template-columns:repeat(2,minmax(0,1fr))}.quick-picks>a{padding-inline:1rem}.quick-picks>a:nth-child(odd){border-right:1px solid var(--color-line)}.quick-picks>a:nth-last-child(-n+2){border-bottom:0}.footer-grid{grid-template-columns:1.4fr 1fr 1fr;gap:2rem}.quick-answer,.callout,.cost-range{padding:1.5rem 1.75rem}.toc-mobile{display:none}.toc-desktop{display:block}.option-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.option-card:last-child:nth-child(odd){grid-column:1/-1}.cost-table>div{grid-template-columns:1fr 1fr;gap:1.5rem}}@media (width>=900px){.container{width:min(var(--width-page), calc(100% - 5rem))}.mobile-menu{display:none}.desktop-nav{align-items:center;gap:1.75rem;display:flex}.desktop-nav>a,.vertical-menu summary{min-height:48px;color:var(--color-navy);align-items:center;gap:.35rem;font-size:.78rem;font-weight:600;text-decoration:none;display:inline-flex}.desktop-nav>a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--color-red);text-underline-offset:.5rem;text-decoration-thickness:2px}.vertical-menu{position:relative}.vertical-menu summary{list-style:none}.vertical-menu summary::-webkit-details-marker{display:none}.vertical-menu[open] summary svg{transform:rotate(180deg)}.vertical-dropdown{border:1px solid var(--color-line);border-radius:var(--radius);min-width:240px;box-shadow:var(--shadow);background:#fff;padding:.5rem;position:absolute;top:52px;left:-1rem}.vertical-dropdown a{align-items:center;min-height:48px;padding:.5rem;font-size:.85rem;text-decoration:none;display:flex}.vertical-dropdown a:hover{background:var(--color-cream)}.hero{padding-block:3.25rem 4rem}.home-hero{grid-template-columns:1.06fr .94fr;gap:clamp(2.5rem,6vw,5.5rem);padding-block:3.25rem 4rem}.home-hero h1{font-size:clamp(2.5rem,4.25vw,3.4rem)}.hero-photo{padding-top:.25rem}.hero-copy .text-link{display:flex}.card-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.quick-picks{grid-template-columns:repeat(4,minmax(0,1fr))}.quick-picks>a{border-bottom:0;border-right:1px solid var(--color-line);flex-wrap:wrap;gap:.8rem;padding:1.5rem}.quick-picks>a:first-child{padding-left:0}.quick-picks>a:last-child{border-right:0;padding-right:0}.quick-picks>a>:not(svg){flex:0 0 100%;order:2}.quick-picks>a>.pick-icon{flex:0 0 44px;order:0}.steps{grid-template-columns:repeat(3,minmax(0,1fr));gap:3rem}.steps>li{padding-top:3.3rem;padding-left:0}.steps>li:before,.step-number{font-size:1.65rem}.steps>li:not(:last-child):after{content:"";border-top:1px solid var(--color-line);position:absolute;top:1.1rem;left:3.5rem;right:-1.5rem}.article-shell{width:min(920px,100% - 5rem);padding-block:1.25rem 4rem}.article-header{margin-inline:auto}.article-shell>.quick-answer,.article-shell>.disclosure-box,.article-shell>.toc,.article-shell>.cost-range,.article-shell>.faq,.article-shell>.author-box{max-width:var(--width-prose);margin-inline:auto}.lender-cards{display:none}.lender-table-wrap{display:block}.lender-table{border-collapse:collapse;width:100%;font-size:.75rem}.lender-table caption{text-align:left;color:var(--color-muted);padding-bottom:1rem}.lender-table th,.lender-table td{border-bottom:1px solid var(--color-line);text-align:left;vertical-align:top;padding:1rem .75rem}.lender-table thead{color:var(--color-navy);background:#eee8da}.lender-table small{color:var(--color-muted);margin-top:.5rem;display:block}.hub-nav{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (width<=639px){.prose table,.prose tbody,.prose tr,.prose th,.prose td{display:block}.prose table{border:1px solid var(--color-line);border-radius:var(--radius-sm);overflow:hidden}.prose tr+tr{border-top:2px solid var(--color-line)}.prose td{border-bottom:0}.prose th{padding-block:.5rem}}@supports (animation-timeline:scroll()) and (timeline-scope:--article-heading){@media (width<=639px){body:has(.sticky-cta-slot){timeline-scope:--article-heading;padding-bottom:calc(124px + env(safe-area-inset-bottom))}.sticky-cta-slot{min-height:124px}.sticky-cta{z-index:15;animation-name:show-sticky;animation-duration:auto;border-radius:0;margin:0;padding-inline:1.25rem;animation-timing-function:linear;animation-fill-mode:both;animation-timeline:--article-heading;animation-range:exit;position:fixed;inset:auto 0 0}@keyframes show-sticky{0%{visibility:hidden;opacity:0}99%{visibility:hidden;opacity:0}to{visibility:visible;opacity:1}}}}@media (prefers-reduced-motion:no-preference){a,button{transition:color .15s,background-color .15s,border-color .15s}}@media print{.site-header,.site-footer,.draft-note,.sticky-cta-slot,.skip-link,.toc{display:none}body{color:#000;background:#fff;font-size:12pt}.container,.article-shell{width:100%}a{color:inherit}details>*{display:block}}
